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Mar 31, 2021

Cathay General Q1 2021 Earnings Report

Net income increased compared to the same quarter a year ago and net interest margin increased from the previous quarter.

Key Takeaways

Cathay General Bancorp reported a net income of $73.4 million, or $0.92 per share, for the first quarter of 2021. The net interest margin was 3.20%, increasing 8 basis points from the fourth quarter of 2020. There was a reversal of provisions for credit losses of $13.6 million.

Net income for the quarter ended March 31, 2021, was $73.4 million, an increase of $26.5 million, or 56.5%, compared to net income of $46.9 million for the same quarter a year ago.

Diluted earnings per share for the quarter ended March 31, 2021, was $0.92 per share compared to $0.59 per share for the same quarter a year ago.

Return on average stockholders' equity was 12.23% and return on average assets was 1.57% for the quarter ended March 31, 2021, compared to a return on average stockholders' equity of 8.12% and a return on average assets of 1.05% for the same quarter a year ago.

The net interest margin was 3.20% for the first quarter of 2021 compared to 3.34% for the first quarter of 2020 and 3.12% for the fourth quarter of 2020.

Total Revenue
$152M
Previous year: $146M
+3.9%
EPS
$0.92
Previous year: $0.59
+55.9%
Efficiency ratio
47.03%
Previous year: 44.6%
+5.4%
Return on average assets
1.57%
Previous year: 1.05%
+49.5%
Net interest margin
3.2%
Previous year: 3.34%
-4.2%
Gross Profit
$152M
Previous year: $146M
+3.9%
Cash and Equivalents
$142M
Previous year: $136M
+4.1%
Free Cash Flow
$90.8M
Previous year: $94.2M
-3.6%
Total Assets
$19.2B
Previous year: $18.3B
+5.1%

Cathay General

Cathay General

Cathay General Revenue by Segment

Revenue & Expenses

Visualization of income flow from segment revenue to net income